| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS, INC. | 24 EAST SECOND STREET, 1ST FLOOR MEDIA, PA 19063 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $140K | $0 | $140K | 8.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4 RADNOR CORPORATE CENTER RADNOR, PA 19087 | AETNA LIFE INSURANCE COMPANY | $50K | $20K | $70K | 7.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2005 MARKET STREET, SUITE 820 ONE COMMERCE SQUARE PHILADELPHIA, PA 19103 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | $0 | $14K | 9.95% |
| MERCER HEALTH AND BENEFITS, LLC3 | 1166 AVENUE OF THE AMERICAS 22ND FLOOR NEW YORK, NY 10036 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $1K | $0 | $1K | 15.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 3,100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 2,970 | $953K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 2,706 | $145K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,927 | $1.7M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,927 | $1.7M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,927 | $1.7M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,100 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,100 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.